Meet STELLA: Our New AI Assistant Helping Referral Partners Streamline Loan Applications

We’ve been busy with AI here at ARF Financial, working hard to launch a cutting-edge AI-powered assistant that we can’t wait to introduce exclusively to our Loan Stars Referral Partners: STELLA. Designed to streamline the loan application process, STELLA is a game-changer. Keep reading to learn more.

What Is STELLA?

STELLA is a user-friendly, AI-enabled assistant that immediately reviews applications using our underwriting criteria. It assists referral partners by guiding them through the process of submitting loan applications for their clients — reducing paperwork, speeding up approval times, and increasing the likelihood of funded deals.

STELLA operates 24/7, providing around-the-clock support, so partners don’t have to wait for business hours to get their clients started. It’s designed to eliminate the guesswork, making the loan submission process both faster andeasier. In fact, STELLA responds within 60 seconds, helping partners manage a large volume of potential deals anytime, anywhere.

How STELLA Helps Referral Partners

Whether you’re a CPA looking to secure financing for a client’s expansion or a business consultant helping entrepreneurs scale, STELLA is here to help you close more deals — and earn more commissions. Here’s how:

Streamlined Application Process

STELLA does the hard work, so you can focus on building client relationships. There are just two things STELLA needs to get down to business: a completed loan application signed by the business owner(s), and the most recent 3 months of business bank statements. Just email those documents to stella@arffinancial.com and sit back while STELLA analyzes the deal’s viability. Within 60 seconds, you’ll get an email noting a deal is “viable” or “non-viable.” If viable, your documents will go through underwriting review. If you’re not sure whether your application meets the legal requirements for STELLA submission, just reach out to your dedicated ARF loan consultant.

STELLA’s real-time feedback allows you to quickly gather additional documentation as needed, and there is no limit to how many files you submit. And since STELLA was built with an eye on data security and compliance, your submissions are always protected.

Enhanced Commission Opportunities

Because STELLA simplifies and accelerates the loan process, referral partners like you can handle more applications in less time, increasing earning potential. The more successful referrals you complete, the more commissions you earn — making STELLA an excellent revenue-boosting tool for any small business advisor.

Why STELLA Matters for Small Businesses

Access to capital is still a major hurdle for many small businesses. According to the Federal Reserve’s 2024 Small Business Credit Survey, 59 percent of small employer firms experienced funding shortfalls over the past year. Tools like STELLA help bridge that gap by enabling trusted advisors to help business owners apply for loans quickly and easily.

In today’s competitive financial landscape, having a smart, AI-powered assistant makes all the difference. By reducing friction in the lending process, STELLA empowers referral partners to offer more value and help more businesses grow. And we’re always improving STELLA’s capabilities thanks to regular updates and enhancements that keep us ahead of the trends.

Getting Started with STELLA

STELLA is available now for all ARF Financial referral partners. To learn more or start using STELLA today, visit us on our website. We also provide training materials and live support to help you get up and running.